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BILL Divvy
BILL Divvy Visa

BILL Divvy

Issued by Cross River Bank

Reviewed by the CardCurator Editorial Team

$0
Annual Fee
1x
Base Rate
7x
Restaurants
~1.00¢
Per Point
industry est.
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Decision check

Is BILL Divvy worth applying for?

Good fit if…

you can make 7x on Restaurants part of your regular spending.

Skip it if…

you are looking for premium perks, lounge access, or more transfer-partner upside.

Annual fee: No annual fee.
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Application links open the issuer or partner application in a new tab. Confirm current terms and approval rules before submitting.

Earning Categories

Restaurants
7x
Hotels
5x
Software Subscriptions
2x
All Other Purchases
1x

Maximize Your BILL Divvy Points

Expert tips to get the most value from this program

Program Overview

BILL Divvy is a fixed-value business rewards program attached to the Divvy spend-management and corporate card ecosystem. Its value comes from how well the card and expense platform fit a company's budgeting and AP workflow, with the rewards functioning as a straightforward rebate rather than as a high-upside transfer currency. For business users, the most important considerations are operational fit, controls, and effective earn rate after any platform constraints. In Card Curator this program should be treated as a practical business cashback-style system, not as a destination program for premium travel redemptions.

Card Details

Authorized Users Free
Foreign Transaction Fee None

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Approval Insights

Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.

Insufficient data
Reported approval rate
--
0 approved or denied datapoints
Median approved score
Building dataset
Exact score sample still small
Income / history band
N/A
History data still building
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How to use this

  • Use the approval summary as a signal, not a guarantee.
  • Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
  • Open the full approval page to see recent datapoints, profile bands, and notes.
Why this is different

Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.

Frequently Asked Questions

What is the annual fee for the BILL Divvy?
The BILL Divvy has no annual fee.
What is the best category to use the BILL Divvy for?
The BILL Divvy earns 7x on Restaurants, making it the strongest earning category for this card.
Does the BILL Divvy charge foreign transaction fees?
No, the BILL Divvy does not charge foreign transaction fees, making it a good choice for international purchases.
How much are BILL Divvy points worth?
BILL Divvy points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
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